問13
頻出度★★☆
FinTech の事例として, 最も適切なものはどれか。
令和3年度 ITパスポート試験 問13
ストラテジ系ビジネスインダストリ › e-ビジネス
This question's explanation and your answers so far.
解説
問 13
Incorrectア
Immediately switching the core accounting system to a backup system when a failure occurs is an effort toward business continuity and fault tolerance (securing availability) in preparation for disasters and failures; it is merely IT for running existing operations stably. It does not create a new financial service, so it cannot be called an example of FinTech.
Incorrectイ
Making a card unusable after the PIN is entered incorrectly a specified number of consecutive times is a security measure to prevent fraudulent use (account lock), a mechanism that has long been widely used. It cannot be called a new financial service that leverages IT, so it does not fall under FinTech.
- ウ
正解 The correct answer is “ウ”. FinTech refers to new financial services created by fusing finance (Finance) with technology (Technology) and making use of IT such as AI and big data. The robo-advisor in “ウ” is a service in which AI proposes the most suitable investment funds according to the customer's risk tolerance and asset-management goals and even carries out asset management automatically. This is exactly an innovative financial service that leverages IT, a representative example of FinTech.
Incorrectエ
Raising or lowering the grade according to the accident history and changing the premium is merely providing, via the internet, the grade system (non-fleet grade system) already used in conventional auto insurance. The rate-calculation mechanism itself is an existing one; it is not the creation of a new financial service through IT, so it does not qualify as an example of FinTech.
ここがポイント
- FinTech = the fusion of finance (Finance) and IT (Technology). It refers to new financial services created by making use of AI, big data, and the like.
- A robo-advisor (automation of investment proposals and asset management) is a representative example of FinTech. Mere IT-enablement of existing operations, security measures, and business continuity (BCP) are distinguished from FinTech.
用語